Harris - Auto, Homeowners, Health, life, Motorcyle, Boat

The following is an example of how much you can reduce your insurance premium if you have mitigating features on your home. The example is based on your hurricane-wind premium of which is part of your total annual premium of $1,377.79. Remember, the discounts shown only apply to the hurricane-wind portion of the premium and the discounts for the construction techniques and features listed below are not cumulative.

Description of Feature	Estimated* Premium Discount Percent	Estimated* Annual Premium is Reduced by:
Roof Covering (i.e. shingles or tiles) * Meets the Florida Building Code * Reinforced Concrete Roof Deck * If this feature is installed on your home you most likely will not qualify for any other discount.	0.04 0.82	$17.37 $356.13
How Your Roof is Attached * Using a 2" nail spaced a 6" from the edge of the plywood and 12" in the field of the plywood * Using a 2 1/2" nail spaced a 6" from the edge of the plywood and 12" in the field of the plywood * Using a 2 1/2" nail spaced a 6" from the edge of the plywood and 6" in the field of the plywood	0.00 0.09 0.09	$0.00 $39.09 $39.09
Secondary Water Resistance (SWR) : not SQR * SWR. Self adhering polymer modified bitumen roofing underlayment applied directly to the sheathing of foam SWR Barrier ( not foamed on insulation) applied as a secondary means to protect the dwelling from water intrusion. * No SWR	0.06 0.00	$26.06 $0.00
Roof-to-Wall Connection * Using "Toe Nails" - defined as 3 nails driven at an angle through the rafter and into top roof. * Using Clips - defined as pieces of metal nailed into the side of the rafter/truss and side of top plate or stud * Using Single Wraps - a single strap attached to the side and/or bottom of top plate and nailed to rafter/truss. * Using Double Wraps - straps are attached to the side and/or bottom of top plate and nailed to rafter/truss	0.00 0.30 0.30 0.30	$0.00 $130.29 $130.29 $130.29
Shutters * None * Intermediate Type - shutters that are strong enough to meet half the old Miami-Dade building code standards * Hurricane Protection Type - shutters that are strong enough to meet the current Miami-Dade building code standards	0.00 0.20 0.30	$0.00 $86.86 $130.29
Roof Shape * Hip Roof - defined as your roof sloping down to meet all your outside walls (like a pyramid). * Other	0.30 0.00	$130.29 0.00

* Estimate is based on information on file and actual amount may vary. The Uniform Mitigation Verification Inspection Form is required and signed by a licensed contractor to receive the credit.